Price list english

Price list for personal customers in SpareBank 1 SMN.

PAYMENT TYPES

  • We can provide both debit cards and credit cards (Credit cards are contingent upon a satisfactory credit check and the customer being older than 18). You pay an annual fee of NOK 275 for a debit card and receive the following services for free:
    • Purchases using debit card and credit card in and outside Norway
    • Pay bills from your current account via the internet bank, mobile bank and telephone bank
    • Cash withdrawals from SpareBank 1's ATMs using debit card
    • Travel and cancellation insurance when 50% of the cost of travel is paid by credit card
    • Same PIN code for debit card and credit card
    • Customers aged under 18 years pay no annual fee for a debit card.
  • Domestic payment from current account

    0,-

    Transfer between own accounts *

    0,-

    Receipt sticker sent by post

    15,-

    SMS notification to the recipient upon payment

    15,-

    Request for bank draft

    80,-

    Documents sent by post

    15,-

    Changing amount limit

    0,-

    One-time security code via text message for logging into internet bank/mobile bank

    0,-

    Security code device for logging into internet bank/mobile bank

    100,-

    * Transfer from savings account after initial 12 withdrawals per year

    100,-

  • SEPA payments: Ordinary transfer in EUR within EU/EEA. 

    The amount will be received by the recipient bank within 2 days *

    30,-

    Other ordinary payments

    70,-

    Additional charge for missing IBAN, BIC and/or documentation code

    100,-

    Urgent transfer, available in account next working day, amount up to equivalent of NOK 3,000,000

    350,-

    Urgent transfer, available in account next working day, amount exceeding equivalent of NOK 3,000,000

    1000,-

    Incoming cross-border payment in EUR and SEK

    20,-

    Incoming cross-border payment in other currency, up to NOK 2,000 

    50,-

    Incoming cross-border payment in other currency, exceeding NOK 2,000

    100,-

    Complaints, reminders (costs from foreign banks come in addition)

    400 - 600,-

    Cancellation of payment instruction

    500,-

    Fax or email confirmation to payer or payment recipient 

    150,-

    Additional charge when payer want to pay all charges + charges outside Norway

    100,-

    * The price is contingent on the instruction being complete and including the following information about the payment recipient:

    • IBAN and BIC for payments inside EU/EEA
    • Currency documentation code
    • Charges shared between payer and recipient

    The customer receives a credit value one working day after SpareBank 1 SMN has received the amount. The money is available on the customer's account one working day after the bank has received the amount.

  • Domestic payment

    0,-

    Transfer between own accounts in the bank *

    0,-

    The recipient receive a text message upon payment

    15,-

    * Transfer from savings account after initial 12 withdrawals per year

    100,-

  • Query and notification services and transfers between own accounts in the bank (ages 13-17)

    0,-

    Query and notification services and transfers between own accounts in the bank (18 and older)

    3,-

    Approve eFaktura (eBill)

    3,-

  • Domestic payment

    0,-

    Transfer between own accounts in the bank *

    0,-

    Stop and start payments

    0,-

    Query services

    4,-

    Receipt sticker sent by post

    15,-

    Request for statement

    30,-

    * Transfer from savings account after initial 12 withdrawals per year

    100,-

  • Annual fee

    275,-

    Annual fee for debit card for young people and debit card for children

    0,-

    Purchases in and outside Norway *

    0,-

    Withdrawals from SpareBank 1's ATMs

    0,-

    Withdrawals from other banks' ATMs

    7,-

    Cash withdrawals from outside Norway *

    35,-

    Foreign currency withdrawals from SpareBank 1's ATMs

    20,-

    Foreign currency withdrawals from SpareBank 1's ATMs by non-customers

    50,-

    Cash deposits in SpareBank 1's deposit machines **

    0,-

    Emergency card/ emergency cash outside Norway

    0,-

    Replacement for lost or destroyed debit card

    100,-

    Replacement for lost or destroyed debit card for children

    0,-

    * When you use your card outside Norway or to withdraw foreign currency, the amount is converted to NOK. The conversion rate used is the exchange rate on the settlement date according to Visa plus a conversion fee of 1.75 %.

    ** Personal customers only. Companies, clubs and associations must use night safe.

  • Annual fee

    0,-

    Purchases in and outside Norway *

    0,-

    Withdrawals from ATMs in and outside Norway

    35,- 
    + 1 % of amount withdrawn

    Withdrawals over counter in and outside Norway

    75,- 
    + 1 % of amount withdrawn

    Transfer from credit card to account 

    1 % of amount transferred
    minimum 25,-

    Administration fee per bill

    35,-

    Nominal rate per month

    1,80 %

    Effective rate per year for customers billed by eFaktura (eBill)

    23,90 %

    Effective rate per year for bill sent by post: NOK 10,000

    27,21 %

    Effective rate per year for bill sent by post: NOK 20,000

    25,55 %

    Effective rate per year for bill sent by post: NOK 30,000

    25,00 %

    Interest-free credit period

    of up to 45 days

    * When you use your card outside Norway or to withdraw foreign currency, the amount is converted to NOK. The conversion rate used is the exchange rate on the settlement date according to MasterCard plus a conversion fee of 1.75 %.

  • Payment per BrevGiro (postage is charged for in addition to this)

    12,-

    Receipt sticker sent by post (per receipt)

    8,-

  • Prices for customers of other banks stated in brackets.

    Giro encashment

    75,- (150,-)

    Payment using giro form

    60,- (150,-)

    Payment using giro form, without payment recipient's account number

    75,-

    Receipt sticker sent by post

    8,-

    Issuing of bank draft/gift cheque

    100,-

    Issuing of cheque in foreign currency

    300,-

    Encashment of bank drafts and cheques

    0,- (150,-)

    Encashment of 3rd party cheque drawn on another bank

    75,-

    Transfer between own accounts

    15,-

    Transfer other bank

    60,-

    Standing order to transfer funds to another payment recipient, per transfer

    10,-

    Printout of voucher

    30,-

    Termination of account

    30,-

  • Ordinary transfer

    350,-

    Urgent payment, amount up to equivalent of NOK 3,000,000

    500,-

    Urgent payment, amount exceeding equivalent of NOK 3,000,000

    1150,-

    Additional charge for missing IBAN, BIC and/or documentation code

    100,-

    Complaints due to errors from the customer

    400,-

    Cancellation of payment instruction

    500,-

    Fax confirmation to payer or payment recipient

    150,-

    Additional charge when payer want to pay charges outside Norway

    100,-

    The payer will be charged in arrears when the charges outside Norway are known.

  • Annual fee for debit card

    200,-

    Withdrawals from SpareBank 1's ATMs

    4,-

    Cash withdrawal in connection with purchase

    4,-

    Purchases using card in and outside Norway

    4,-

    Electronic giro paid via internet bank, mobile bank and telephone bank

    4,-

  • Electronic giro paid via internet bank, mobile bank or telephone bank which is debited to a savings account or a flexiloan account.

    4,-

  • When cash is paid into an account the amount is available to the customer immediately after the bank has received the funds.

    When an account is credited in some other way, the value date of the credit will be no later than the business day on which the amount was credited to the account.

    The earliest value date for debiting an account is when the account is debited by the amount.

LOANS

  • From NOK 3,000,000

    Nominal rate: 2.55 %

    From NOK 2,000,000 to NOK 2,999,999

    Nominal rate: 2.75 %

    From NOK 1,000,000 to NOK 1,999,999

    Nominal rate: 3.10 %

    The effective rate will depend on how much of the limit is used. 

  • From NOK 3,000,000

    Nominal rate: 2.60 %
    Effective rate: 2.67 %

    From NOK 2,000,000 to NOK 2,999,999

    Nominal rate: 2.80 %
    Effective rate: 2.89 %

    From NOK 1,000,000 to NOK 1,999,999

    Nominal rate: 3.15 %
    Effective rate: 3.28 %

    The effective rate is calculated on the basis of an annuity plan for NOK 1.5 million, NOK 2.5 and NOK 2.5 million, respectively, with a repayment period of 25 years plus a front-end fee of NOK 2,950 and instalment fee of NOK 50 per instalment. 

  • From NOK 3,00,000

    Nominal rate: 2.60 %

    Effective rate: 2.67 %

    From NOK 2,000,000 - 2,999,999

    Nominal rate: 2.80 %

    Effective rate: 2.89 %

    From NOK 1,000,000 - 1,999,999

    Nominal rate: 3.15 %

    Effective rate: 3.28 %

    The effective rate is calculated based on an annuity loan of NOK 1.5, 2.5 and 3.5 million, respectively, with a 25-year down-payment plan and an establishment charge of NOK 0 and instalment charge of NOK 50.

  • Loan up to 85 % of purchase sum

    Nominal rate: 2.50 %

    Effective rate: 2.59 %

    The effective rate is calculated on the basis of an annuity plan for NOK 2 million with a repayment period of 25 years plus a front-end fee of NOK 2,950 and instalment fee of NOK 50 per instalment.

  • Loan up to 85 % of purchase sum

    Nominal rate: 2.30 %

    Effective rate: 2.39 %

    The effective rate is calculated based on a annuity loan of NOK 2 million with a 25-year down-payment plan and an establishment charge of NOK 0 and instalment charge of NOK 50.

  • Borrow up to 85% of the purchase price

    Nominal rate: 2.35 %
    Effective rate: 2.44 %

    The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,950 and a charge of NOK 50 per instalment. 

  • Borrow up to 85% of the purchase price

    Nominal rate: 2.15 %
    Effective rate: 2.22 %

    The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 0 and a charge of NOK 50 per instalment. 

  • Our prices are dependent on the total  loan-to-asset value ratio and the debt-equity ratio, and is from:

    3 years binding

    Nominal rate: 2.61 %

    Effective rate: 2.71 %

    5 years binding

    Nominal rate: 2.92 %

    Effective rate: 3.02 %

    10 years binding

    Nominal rate: 3.56 %

    Effective rate: 3.68 %

    The effective rate is calculated based on a annuity loan of NOK 2 million with a 25-year down-payment plan and an establishment charge of NOK 2950 and instalment charge of NOK 50.

  • From NOK 1,000,000

    3 years binding

    Nominal rate: 2.61 %

    Effective rate: 2.71 %

    5 years binding

    Nominal rate: 2.92 %

    Effective rate: 3.02 %

    10 years binding

    Nominal rate: 3.56 %

    Effective rate: 3.68 %

    The effective rate is calculated based on a annuity loan of NOK 2 million with a 25-year down-payment plan and an establishment charge of NOK 2950 and instalment charge of NOK 50.

  • From NOK 1,000,000 

    3 years binding

    Nominal rate: 2.91 %

    Effective rate: 3.01 %

    5 years binding

    Nominal rate: 3.22 %

    Effective rate: 3.33 %

    10 years binding

    Nominal rate: 3.86 %

    Effective rate: 3.99 %

    The effective rate is calculated based on a annuity loan of NOK 2 million with a 25-year down-payment plan and an establishment charge of NOK 2950 and instalment charge of NOK 50.

  • Up to 85% of basis for valuation   

    Nominal rate: 6.25 %

    The effective rate will depend on how much of the available credit is used.

  • Repayment loan with collateral

    from 1950 - 6000,-

    Repayment loan without collateral

    750,-

    Flexiloan

    from 1950 - 6000,-

    Building loan

    from 5000 - 20000,-

    Repayment loan with collateral in holiday property in Sweden

    from 5000 - 9000,-

    Foreign currency loan

    from 5000 - 9000,-

    Loan to purchase boat

    from 3500 - 5000,-

    Switch from variable rate to fixed rate

    1000,-

  • Per collateral security

    1000,-

    Public charges:

    - Registration of collateral documents for real property

    525,-

    - Registration of collateral documents for housing cooperative

    430,-

    - Registration of collateral documents for moveable property (security for unpaid purchase money)

    1473,-

    - Registration of collateral documents for refinancing (other financial institution) within same lending limit

    200,-

  • Flexiloan

    0.06 % per quarter calculated on basis of granted lending limit

    Repayment loan

    50,- per month

    Building loan (charged to building loan)

    0.33 % per quarter calculated on basis of granted lending limit

  • Late instalment, each time

    450,-

    Instalment deferment, each time

    450,-

  • Overdrawing fee per quarter or parts thereof

    2 %

    First reminder

    67,-

    Notice of collection

    67,-

    Transfer to external debt collection agency - minimum

    67,-

    Overdrawing rate

    18,00 %

    Penalty interest

    8,75 %

  • Subordination of priority

    750,-

    Waiver of collateral

    750,-

    Change/replacement of collateral

    750,-

    Write-down of collateral

    500,-

SAVINGS

  • Interest rate

    3,10 %

    From 36 years the rate changes automatically to the same conditions as in savings account.

  • Interest rate

    6,20 %

    BSU 'God Start' is only available if you have not had a BSU before and the account is set-up via the internet bank. The interest rate applies to deposits you make in 2016, up to a maximum total amount saved of NOK 25,000.

  • The rate on LOfavør BSU is 0,25 % higher than our ordinary BSU rate.

    3,35 %

    You get double rate first year if you are creating your first BSU in the Internet bank. (From 2017 you will get regular interest rate on the entire deposit.)

    6,45 %

  • NOK 50,000 and above

    0,70 %

    NOK 0 - NOK 49,999

    0,10 %

  • From first NOK

    0,80 %

  • Rate from first NOK

    0,80 %

  • 3 months, expiry date 29.03.2017.
    Minimum deposit NOK 250,000 

    1,50 %

    12 months, expiry date 27.12.2017.
    Minimum deposit NOK 250,000 

    1,70 %

  • From NOK 50,000 - NOK 500,000

    0,20 %

    From NOK 500,000 - NOK 750,000

    0,65 %

    From NOK 750,000

    0,85 %

  • From NOK 1.000.000

    1,05 %

    From NOK 0 - 999.999

    0,10 %

    For amounts over 8 mill. NOK, please contact us

  • Interest rate when set-up via internet bank (from first NOK)

    0,20 %

    (nominal rate 0,1996 %)

    Interest rate when set-up via branch (from NOK 50,000 and above)

    0,20 %

    (nominal rate 0,1996 %)

    Interest rate when set-up via branch (from NOK 0 - 50,000)

    0,10 %

    Front-end fee for set-up via Internet bank

    350,-

    Front-end fee for set-up via branch

    1250,-

  • Interest rate

    0,10 %

  • Interest is credited monthly for all account types, except BSU and bank deposit 3 and 12 months. This means that the effective rate will be higher than the nominal rate. Interest is paid from the first NOK.

    If an account is overdrawn, interest will be charged at the bank's current rate for overdrawing, currently 18 % per year.

    Withdrawal restrictions: Savings account (all types): 12 free withdrawals per year. A fee of NOK 100 will be charged for each subsequent withdrawal. The withdrawal fee will affect the effective rate, meaning it will be lower than the nominal rate.

    Closing account NOK 30. Does not apply to BSU or deposit accounts.

SECURITIES SERVICES / VPS ACCOUNT

  • Set-up and changes to securities account

    0,-

    Transfer of securities between accounts per security

    100,-

    Transfer of total holding to another account 

    150,-

    Establishment of trade and request mandate for broker

    150,-

    Release of security to another broker

    100,-

  • Annual fee calculated on basis of market value (shares) and taxable value (bonds) as per 31.12

    Value less than NOK 100,000 

    0,-

    NOK 100,000 - NOK 1,000,000

    250,-

    Amounts above, per started million

    125,-

  • Request for extra annual statement, last year

    0,-

    Request for annual statements older than last year

    300,-

    Request for other older information

    Price must be agreed